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These cards are secured credit cards. The bank offering these cards gives you the opportunity to build or rebuild your credit. The cards have reasonable APRs and fees. You can choose a spending limit by depositing a certain sum of money as collateral. You can deposit $200 or more. Your credit limit will be equal to your deposit, and the higher it is the higher your limit will be. You may add to the deposit to add more credit. If you pay regularly, the bank can increase your credit line without requesting additional deposits. If the bank allows, you can upgrade your secured credit card to an unsecured credit card once you have established regular payments.